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City · 22,819 residents · Orange County, Florida

Hunters Creek , Florida

In Hunters Creek, a typical home is worth $450,100 and typical rent is $2,088 a month. Compared with all of Orange County, typical household income is 24% higher and typical rent is 18% higher.

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  • Typical home value

    $450,100

    15% above the county

    25% above Florida

    • Hunters Creek
    • Orange
    • Florida

  • Typical rent

    $2,088a month

    18% above the county

    25% above Florida

    • Hunters Creek
    • Orange
    • Florida

  • Typical household income

    $99,195a year

    24% above the county

    33% above Florida

    • Hunters Creek
    • Orange
    • Florida

  • Households that own their home

    54%

    3 points below the county

    13 points below Florida

    • Hunters Creek
    • Orange
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Hunters Creek is in Orange County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Orange County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hunters Creek apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Kissimmee, the typical home value is $304,400: 32% less than in Hunters Creek ($450,100).

  2. Nearby, in Kissimmee, the typical rent is $1,647: 21% less than in Hunters Creek ($2,088).

  3. The typical household income in Hunters Creek is $99,195, 24% more than in Orange County as a whole ($79,719).

  4. The typical rent in Hunters Creek is $2,088 a month, 18% more than in Orange County as a whole ($1,775).

  5. The typical home in Hunters Creek is worth $450,100, 15% more than in Orange County as a whole ($390,100).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Hunters Creek

What homes there are in Hunters Creek, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes in Hunters Creek are varied: detached houses are the largest group, at 50%, against 54% in Orange County.

Year built

By age, homes in Hunters Creek look like those in Orange County: the typical year built is 1996.

In Hunters Creek, 59% of homes have 3 bedrooms or more, about the same as in Orange County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,144 a month

Orange County: $2,055 a month

Without a mortgage

$850 a month

Orange County: $695 a month

Owners with a mortgage

69%

Orange County: 67%

In Hunters Creek, 69% of owners have a mortgage; their typical cost is $2,144 a month, about the same as in Orange County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The boundaries of Hunters Creek changed since 2015–2019, so the Census does not compare its figures from then and now. In Orange County, the typical home value rose 65%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureHunters CreekOrange CountyFloridaUnited States
Rental vacancy 16.7%9.3%7.6%5.5%
Homeowner vacancy 14.2%2.4%1.4%0.9%
More than one person per room Unreliable estimate3.7%3.3%3.4%
People per household 2.932.722.512.53
Drive alone 70%68%70%69%
Carpool 8%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 17%18%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Hunters Creek is 16.7%, higher than in Orange County (9.3%).

More people live in each home here: 2.93 on average, against 2.72 in Orange County.

The car rules in Hunters Creek: 70% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Hunters Creek?

A typical home costs more than the typical income allows

We start with a typical home in Hunters Creek, worth $450,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Hunters Creek, which is $99,195 a year. For that payment to be 28% of income, a household would need to earn about $156,936 a year.

The calculator's FHA and conventional loan limits are those of all of Orange County.

Your numbers

Local data
$

Starts at the typical home value in Hunters Creek. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,754 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,662

at 7.18% · 30 years

Loan amount
$441,947
Total interest
$635,858
Paid off in
November 2056

Includes $7,601 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,315 a month

  • Tight

    $2,315 to $2,976 a month

  • Hard

    more than $2,976 a month

    Your payment · 44%

Compared with the typical household income in Hunters Creek ($99,195 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,662
Principal & interest$2,994
Property tax$281
Home insurance$188
FHA mortgage insurance (MIP)$199

You need at least $15,754 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Hunters Creek and Orange County

Hunters Creek is in Orange County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Hunters Creek's own numbers

Typical home value
$450,100
Typical monthly rent
$2,088
Typical yearly household income
$99,195
Households that own their home
54%
Effective property tax rate
0.75%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Orange County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,959
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Orange County.

Everything about Orange County

Buying

Buying a home in Hunters Creek

A typical home in Hunters Creek is worth $450,100: 15% above the county and 25% above Florida. With the typical household income in Hunters Creek ($99,195 a year), a typical home costs 4.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Hunters Creek 4.5 years
  • Orange 4.9 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Orange County

According to FHFA’s house price index, home prices in Orange County rose 122% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Orange County.

Period County Florida U.S.
Last year (2025) +0.8% −0.5% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +122% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Hunters Creek next to Orange County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Hunters Creek $450,100
  • Orange $390,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Hunters Creek $2,088
  • Orange $1,775
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Hunters Creek $99,195
  • Orange $79,719
  • Florida $74,568
  • United States $80,734
See the full table
Hunters Creek next to Orange County and Florida
Measure Hunters Creek Orange County Florida U.S.
Typical home value $450,100 $390,100 $359,000 $332,700
Typical monthly rent $2,088 $1,775 $1,669 $1,413
Typical yearly household income $99,195 $79,719 $74,568 $80,734
Households that own their home 54% 57% 68% 65%
Typical yearly property tax $3,358 $2,967 $2,730 $3,119
Effective property tax rate 0.75% 0.76% 0.76% 0.94%
Renters with high rent for their income 64% 59% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Hunters Creek

For a typical $450,100 home in Hunters Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hunters Creek's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,662a month

    Least cash to close
    Down payment
    $15,754
    Cash to close
    $29,257
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $199

  • Conventional, 5% down $3,579a month

    Down payment
    $22,505
    Cash to close
    $36,008
    Rate
    7.18%
    Mortgage insurance
    PMI · $214

  • Conventional, 20% down, no PMI $2,908a month

    Down payment
    $90,020
    Cash to close
    $103,523
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,324a month

    Down payment
    $67,515
    Cash to close
    $81,018
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Hunters Creek and for Orange County.

Property tax

Effective rate in Hunters Creek

0.75%of the home’s value each year

$3,358 a year for the typical owner in Hunters Creek.

  • Hunters Creek 0.75%
  • Orange 0.76%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Orange County

FEMA does not publish these numbers by city: they are for all of Orange County.

Homes in the high-risk zone
2.3%
9,209
Of those, with NFIP insurance
44%
County Florida U.S.
Homes in the high-risk zone 2.3% 13% 3.5%
Of those, with NFIP insurance 44% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hunters Creek

Typical rent in Hunters Creek is $2,088 a month: 18% above the county. In Hunters Creek, 64% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($1,959 a month) without spending more than 30% of your income, you would need to earn $37.67 an hour working full time.

HUD fair market rent for all of Orange County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,658 $31.88 $66,320
1 bedroom $1,726 $33.19 $69,040
2 bedrooms $1,959 $37.67 $78,360
3 bedrooms $2,445 $47.02 $97,800
4 bedrooms $2,856 $54.92 $114,240

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Hunters Creek

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hunters Creek is in ZIP code 32837.

For 2 bedrooms it is $2,260: $301 more than the fair market rent for Orange County ($1,959).

  • 32837 $2,260$2,820

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hunters Creek when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Hunters Creek

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 10 HUD-approved agencies with an office in Orange County; 7 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Hunters Creek

No down payment, repair or rent-help program on our list is for Hunters Creek or Orange County. The ones below are statewide in Florida: they work in Hunters Creek the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Hunters Creek

The HUD-approved agencies closest to the center of Hunters Creek, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Legal Services of Mid-Florida, Inc. - Kissimmee Office

    800 N Main St, Kissimmee · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • University of Florida/Florida Cooperative Extension - Osceola County Cooperative Extension Service

    1921 Kissimmee Valley Ln, Kissimmee · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (321) 697-3000

  • Incharge Debt Solutions

    5750 Major Blvd, Orlando · 8 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (877) 712-6040

Every agency in Orange County All counseling agencies in Florida

Help in Spanish near Hunters Creek

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Hunters Creek

HUD’s record names them for Hunters Creek or Orange County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Orange County Housing & Community Development Section 8 vouchers (407) 836-5150

2 other authorities have an office in Orange County: see the list Source: HUD

Cities

Other cities in Orange County

These cities are also in Orange County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Orange County Housing in Florida
See 16 more cities in Orange County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Hunters Creek, with the typical home value.

Neighboring counties

If Orange County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Hunters Creek.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Hunters Creek

Short answers with the numbers for Hunters Creek and all of Orange County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Hunters Creek?

The typical home value in Hunters Creek is $450,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $390,100.

How much does it cost to rent in Hunters Creek?

Typical rent in Hunters Creek is $2,088 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $1,959.

What is the FHA loan limit in Hunters Creek?

Hunters Creek uses the FHA limit for all of Orange County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Hunters Creek?

The typical homeowner in Hunters Creek pays $3,358 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Orange County, the rate is 0.76%.

Where can I find free help to buy or rent in Hunters Creek?

There are 10 HUD-approved counseling agencies with an office in Orange County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).